Sunday, September 12, 2010

Automobile accidents now involve 'crash tax' and deductibles

There exists nothing good that generally comes of automobile crashes. Unless you didn’t like the auto you drove anyway. Paying an auto insurance deductible is not fun, nor is dealing with the physical repercussions of the event. Drivers now have something even more unpleasant to deal with. Have you ever heard of a crash tax?. Fault is not part of the equation at all. If you get in a car crash outside your home area, and EMS shows up, you obtain billed, and for a lot of money.

‘Crash tax’ bills are irrespective of error

The ‘crash tax’ is not complicated. Let’s say an individual gets in a car crash from home. If emergency services shows up and checks them out, even if they don’t ask for it, the person gets billed. The bill is often never gargantuan, but is far from being innocuous. Often, the bill is not into the thousands. The norm appears to be a few hundred. There was a recent Chicago Tribune piece about a woman charge $350, and also the NY Times had a story of a man charged $200. Neither asked to be checked out by emergency personnel or needed to go to a hospital.

There is opposition

More states have crash taxes than not. Nevertheless, the number of states with a ban on the crash tax is growing. So far, Alabama, Arkansas, Georgia, Florida, Indiana, Louisiana, Missouri, Oklahoma, Pennsylvania and Tennessee, as outlined by Injuryboard.com, have banned a crash tax. The law is almost always created at the municipal level. The idea is to recover funds used by giving emergency services to people that live elsewhere. It is also referred to as ‘resource recovery’. True to form, crash taxes are the highest in California.

Insurance doesn’t cover it

Often, a people will be billed for EMS response even if they don’t themselves request to be checked out by medics, which an insurance policy business will not cover. Insurance policy businesses oppose it. There are also other groups, such as the AARP, which oppose the crash tax.

Discover more details on this subject

NY Times

nytimes.com/2010/09/05/automobiles/05CRASHTAX.html?pagewanted=1 and _r=1 and ref=automobiles